Texas Buyer Tool
Texas Savings Stack Simulator
Combine every Texas savings layer in one place. See cash-to-close, monthly PITI, and 30-year savings update as you adjust.
Your inputs
Layer 2 — State DPA
Layer 3 — Local DPA
Layer 4 — MCC
Layer 5 — Seller concession
Cash to close
$0
After every layer applied
Monthly PITI
$2,800
Principal + interest + tax + insurance
Total stacked savings
$47,656
At closing
30-yr lifetime savings
$83,656
Including MCC tax credits
Layer-by-layer breakdown
| Layer 1 · FHA (3.5% down) loan | $313,625 |
| Layer 2 · State DPA (5%) | −$15,681 |
| Layer 3 · Local DPA | −$15,000 |
| Layer 4 · MCC credit (annual) | −$2,000 / yr |
| Layer 5 · Seller concession | −$9,750 |
| └ Buydown value (yrs 1–2) | $7,225 |
| Estimated closing costs | $8,450 |
| Buyer cash needed | $0 |
Illustrative. Program eligibility, concession caps, and MCC availability depend on your lender, county, and current funding. Always confirm with a Texas-experienced loan officer before relying on numbers in an offer.
Your next step
Turn this into a plan
Step 1 · 30 seconds
See which programs you may qualify for
Four questions surface the federal, Texas state, county, and city programs that fit your situation. No credit pull, no email required.
Take the eligibility quizStep 2 · Free download
Get the 31-page Texas Buyer Playbook
Every stackable program, the concession caps by loan type, lender questions, and the closing-day checklist — in one PDF.
Download the playbookStep 3 · When you’re ready
Get introduced to a licensed local professional
Tell us your county and we’ll introduce you to a TREC-licensed real estate professional who works that market.
Request an introduction